\begin{table}[h]
\centering
\def\sym#1{\ifmmode^{#1}\else\(^{#1}\)\fi}
\caption{Average Marginal Effects of Inflation Expectations on Real Nondurables/Services Spending, As Semi-Elasticities}
\begin{tabular}{lcc}
\toprule
& \textbf{Baseline Sample} & \textbf{Mortgagor Sample} \\ 
 & Model (6) & Model (7) \\
\midrule
 Average &      0.01 &     -0.02\sym{*} \\
 & (0.01) & (0.01) \\
 No College &      0.00 &     -0.02\sym{*} \\
 & (0.00) & (0.01) \\
 Some College or More &      0.01 &     -0.01 \\
 & (0.01) & (0.01) \\
 No College, 25th Percentile Household Income &      0.02\sym{***} &     -0.03\sym{*} \\
 & (0.01) & (0.02) \\
 College, 25th Percentile Household Income &      0.02 &     -0.02 \\
 & (0.01) & (0.02) \\
 No College, 75th Percentile Household Income &     -0.00 &     -0.02 \\
 & (0.01) & (0.01) \\
 College, 75th Percentile Household Income &     -0.00 &     -0.01 \\
 & (0.01) & (0.02) \\
 No College, 25th Percentile Mortgage Balance &  &     -0.03\sym{**} \\
 &  & (0.01) \\
 College, 25th Percentile Mortgage Balance &  &     -0.02 \\
 &  & (0.02) \\
 No College, 75th Percentile Mortgage Balance &  &     -0.01 \\
 &  & (0.02) \\
 College, 75th Percentile Mortgage Balance &  &      0.00 \\
 &  & (0.01) \\
\midrule
Observations & 2010 & 579 \\
\bottomrule
\end{tabular}
\caption*{\doublespacing \normalsize Standard errors in parentheses \\
\textit{Note:} A given semi-elasticity estimate indicates the population average relative change in monthly nondurable goods and services spending for a 1-percentage-point increase in expected inflation one year ahead, assuming the given characteristics. (Percentage changes are obtained by multiplying each value by 100.) \\ $\sym{*} p < 0.10, \sym{**} p <.05, \sym{***} p < .01$}
\end{table}